I just think it's not very efficient and selfish.. but as long as I live in this society, I'm taking full advantage of it, why not, ya know?

You mean besides that mentality being the basis for the decline of western civilization as well as the fall of Rome?

When the number of people "taking full advantage" of the system outweighs the number of people contributing to and sustaining the system, then even democracy and free enterprise will fail. Weren't you just trying to explain that to ME?